Scholars

Health care & health insurance in the United States

If you are unable to meet with an advisor during walk-in hours, please contact the front-desk at ihealth@msu.edu to schedule an appointment.

J-Visa Health Insurance Requirements
J-1 visa holders and their J-2 dependents must have health insurance coverage at all times.

The health insurance must cover the following minimums:

$100,000 per sickness/illness

$100,000 per accident/injury

$50,000 for medical evacuation

$25,000 for repatriation

Maximum $500 deductible

Coinsurance does not exceed 25% of covered benefit expense per accident or illness

Do you know...?

The average cost for an urgent care clinic visit is:Approximately $100-$200
Cost of a hospital emergency room (ER) visit is:$600, often much more
Typical hospital charges, not including surgery, tests or other similar items is: $2,500 or more per day
Charges for routine delivery of a baby in a hospital, including doctors' fees is:$6,000 to over $10,000

Health care is very expensive in the United States. And the U.S. government does NOT pay any part of the medical expenses for international students or their family members.

Keep in mind; it is generally impossible to buy insurance after you get sick because an illness or injury that you already have, called "pre-existing," is usually not covered by insurance.
Take action now! Protect you and your family today! Learn how, read 3 ways to insure yourself and your family.